above 4% for my savings??

After an awesome Christmas spent with love ones, we’re on the eve of 2011! Hope you guys had a fabulous Christmas too!! What an awesome year it was indeed =) Here’s some goodies to end of the year especially if you have just gotten your fat bonus!

Most Singaporeans are deeply aware that their spare money is earning them miserable returns, and the value is being eroded by inflation. This is as good as keeping your money under your bed with termites in it.

Many people especially our parents aren’t aware that there are good alternatives available in the financial market place that offers better returns for their hard earned money. One alternative, you may wish to consider - NTUC Growth Plan

1. Flexible Policy Term (5 to 20 years)
2. Guaranteed returns on your principal sum upon maturity
3. Yearly bonus based on financial results of the Life Participating Fund
4. Payout of sum assured plus accumulated bonuses or cash value, whichever is higher, in the event of Death or Total and Permanent Disability (TPD before the age of 65)
5. Payout of 2 times the sum assured plus accumulated bonuses in the event of an accident resulting in Death or Total and Permanent Disability (TPD before the age of 65)

The following is just an illustration showing maturity benefits: male, aged 40, single premium $50,000

Unlike other alternatives, which you might lose your principal value, the Growth Policy protects your principal with more than 1% guaranteed yields on maturity!

If you like to explore how the Growth Policy can maximize your money growth, jus leave me a comment or drop me an email. Please not that the above is just for illustration. There are other important pointers that one should take note of.

Greater blessings, love and joy 2012 will bring!

Alright folks, fill the weekends with lotsa laughter, smiles and music =) =) =) ta ta!!



Hefty Medical Bills

It often surprises me that there are Singaporeans without hospitalization coverage especially in this red dot where medical cost is ever rising.

My humble little story to share, shield plan is the very first insurance which I took over from my parents simply cos it is so affordable that I didn’t feel a pinch at all. The premium is payable from Medisave – which we all know can’t be use for much unlike our OA or SA accounts. Moreover, the Rider for this plan made in cash, for a person say age 40 and below range from $100-300/YEAR only!! That works out to be less than $30/month!

Premium aside, the point is coverage. A simple day surgery in Singapore would cost you easily $2000 already.  Well thank God $2k is a small amount. What if the amount now becomes $20k? That would not only drain out one’s savings account, it may even drag down your whole family’s finance.  Love your family enough not to let this happen. Ensure that you are adequately covered =)

An article below from The Sunday Times about the Burden of Hefty Medical Bills: http://www.healthxchange.com.sg/News/Pages/Pass-on-the-burden-of-hefty-medical-bills.aspx

A comparison chart of the different insurers in Singapore .

All in one snapshot =)

If any young ones like me is reading this, I would strongly encourage you to start taking over your shield plan now. It would be easier for you to digest the premium along the way when you have to take up other policies on your own. More so, when you get married and have kids, you can’t have your parents still paying your premium can you? Sooner or later, you have to take responsibility over this area. Why not start now. Trust me, it will be so much easier to digest and manage by then (:

Here's a claim preview for you. Only a day stay and its a 4 digit bill....

Gonna run for christmas gathering =D 

Have a BLESSED CHRISTMAS everyone ♥

MONEY IS THE PRECESSION TO THE VALUE YOU CREATE OR ADD TO THE WORLD

Finally pen down my virgin post! I’ll start this blog running with an awesome 4 days training I attended last Nov in KL – MONEY&YOU. Was actually quite sceptical about it in the beginning, and thought it would be just another many seminars which I’ve attended. I was so wrong... The 2^nd day of the course blow my mind off totally. Around 9pm that night, we were told to form ourselves into groups for a game. Not to give too much of the course away (in case any of you reading this would like to attend the course), this was the night that made me understood “the essence of a word”.

Extracted text from Bucky “I also decided to hold a moratorium on speech. It was very tough on my wife, but for 2 years in that Chicago tenement I didn’t allow myself to use words. I wanted to force myself back to the point where I could understand what I was thinking.” (read the full article below) I am a victim of often using my head to understand something. That night, I finally understood what it means to FEEL the meaning of a word. Let’s think about the word sincerity. How would you convey this word to another person without using any words or objects? You could think of it along the lines of charades, but a much deeper level than that. More than just understanding what sincerity means, one has to feel the meaning of the word- sincerity. It’s amazing how our feelings are able to spread on to others. Even without words we are able to understand and feel what another person is trying to convey.

The change I want to bring into my business is to really feel what I am saying to my clients. Different from other Wealth Management Advisers whom just push products to meet number targets set by managers; I add value into the lives of people cross path with =) “seemingly inadvertently but realistically precessionally”

$3k course for just the above take away is so uncalled for. So I’ll let the flip cards below do the talking of what I feel I’ve learnt and to be applied in my life =)

 the awesome trainer!

and my fabulous team mates =)

Till the next post, count down to christmas!

God Bless <3